If you've recently suffered from a heart attack or other heart problem such as a stroke or myocardial infarction, for example, you still can get life insurance coverage.
There are some insurance underwriters who will see your case more favorably than others and in order to find those underwriters merely takes some research on your part.
Heart disease affects approximately 12 percent of the North American population. What's more, according to the Center for Disease Control and Prevention (CDC) , statistics show that it is the number one killer disease within the nation.
Statistics from the American Heart Association show that 5.7 million men and women in North America suffer from heart failure every year.
Nevertheless, with continual medical improvements, more and more heart patients and people with heart problems have faster recovery times and survive far longer than in previous times. However, unsurprisingly insurance companies still view heart patients as a high risk category.
Thus insurance rates for those who have previously suffered from a heart attack or other severe heart condition do continue to reflect the severity of the disease. "Preferred" premium rates may not be possible, but "standard" premium rates are certainly obtainable.
Providing that you have undergone treatment for your heart condition and your particular condition is not regarded as being too severe (i.e. congestive heart failure) then you should be able to find affordable life insurance. Regardless of anything, should you have a family, you really ought to protect your family’s future financial needs first.
How is it possible to obtain the best life insurance rates after suffering from a heart attack or other chronic heart condition?